Social Security Disability Insurance

Social Security Disability Insurance

What is Social Security Disability Insurance?

Social Security Disability Insurance (SSDI) is a program that provides benefits to disabled persons and the money is funded by payroll tax contributions that an individual has paid into while working.  These benefits are for individuals who have previously worked but are no longer able to do so.  

In order to qualify for SSDI, you must be unable to work due to a severe medical condition that has lasted or is expected to last at least one year or more, or result in death.

When you are a worker in the United States, you pay what is called FICA Social Security taxes and it is paid to the Social Security Administration. This is one of the itemized taxes that you see taken out of your paycheck each pay period. A portion of the FICA taxes that workers pay is set aside for SSDI (as well as Social Security retirement and Medicare).  SSDI is an entitlement program available to any person who has paid into the Social Security system while working.  SSDI recipients are eligible for Medicare two years after their date of entitlement for Social Security Disability Insurance. Medicare is a federal health insurance program for primarily people 65 and over or younger individuals who are disabled.  

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When it comes to Social Security Disability, hiring the right attorney is essential.

Keep in mind, if you have been denied benefits the sooner you contact us, the better.

Social Security Disability Insurance

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The amount of monthly financial benefits for SSDI you will receive if disabled depends on the number of work credits earned prior to becoming disabled.  The Social Security Administration will base your SSDI monthly payment on your lifetime average earnings covered by Social Security.  An individual that qualifies for SSDI is able to do so regardless of their current income and assets. Therefore, even workers who earn a high-income can qualify for SSDI as long as they have enough work credits and are disabled. 
 
There are other ways an individual is able to qualify to receive SSDI benefits besides paying into the Social Security system while working. A non-disabled child under the age 18 of a parent on SSDI, may receive SSDI benefits based on their disabled parents’ work record.  Furthermore, if a disabled adult was found to be disabled before the age of 22, and a parent is deceased or starts receiving retirement or disability benefits, the disabled adult, which is considered “the adult child” in this situation, will be able to receive SSDI benefits based on that parent’s work record. In this case the adult child doesn’t have to have a work history, but it is their parent who must have worked enough and paid into Social Security to qualify for these benefits. The “adult child” also must be unmarried, age 18 and over, and not working on a substantial gainful activity level.